District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending January 28, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN NATIONAL BANKSHARES INC.

* 3A5

American National Bankshares Inc., Danville, Virginia, to acquire 100% of the voting securities of Community First Financial Corporation, Lynchburg, Virginia, and thereby indirectly acquire Community First Bank, Lynchburg, Virginia.

Newspaper:

02/17/2006

Federal Register:

02/23/2006

CITIZENS BANK AND TRUST COMPANY

Premises

Citizens Bank & Trust Comapny, Blackstone, Virginia, to increase its investment in bank premises in the amount of $531,425.

Newspaper:

Not applicable

Federal Register:

Not applicable

FNB CORP.

* 3A5

FNB Corp., Asheboro, North Carolina, to acquire 100% of Integrity Financial Corporation, Hickory, North Carolina, and thereby indirectly acquire First Gaston Bank of North Carolina, Gastonia, North Carolina (prior to the acquisition, Integrity Financial Corporation's other existing banking subsidiary, Catawba Valley Bank, Hickory, North Carolina, would be merged with and into First Gaston Bank of North Carolina). FNB Corp. also proposes to acquire Integrity Financial Corporation's nonbanking subsidiaries, Integrity Securities, Inc., and Community Mortgage Corporation of North Carolina, both of Hickory, North Carolina.

Newspaper:

01/23/2006

Federal Register:

Not available

SOUTHERN COMMUNITY BANK AND TRUST

* Branch

Southern Community Bank and Trust, Winston-Salem, North Carolina, proposes to establish a branch at 2626 Glenwood Avenue, Raleigh, North Carolina.

Newspaper:

01/29/2006

Federal Register:

Not applicable

VIRGINIA COMMUNITY BANK

* Branch

Virginia Community Bank, Louisa, Virginia, proposes to establish a branch at 3009 River Road West, Goochland County, Virginia.

Newspaper:

02/10/2006

Federal Register:

Not applicable

WACCAMAW BANK

* 18C

Waccamaw Bank, Whiteville, North Carolina, to merge with The Bank of Heath Springs, Heath Springs, South Carolina.

Newspaper:

Not available

Federal Register:

Not applicable

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: